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For many people, using cash or checks has been the easiest way to pay a friend or acquaintance. However, more and more people are using their smartphones or other electronic devices to make purchases and manage their finances.

Person-to-Person transfers, or P2P, is a new way of sending money that's fast, convenient and safe.

Here are some examples of how you can use P2P:

  • Pay your roommate back for shared rent or household expenses

  • Send money to a relative in college

  • Pay back a friend for lunch or concert tickets

How P2P Works
You can send money to almost anyone with an email address, or a mobile phone number.  The person will receive a notification with instructions on how to claim the money.  

Step-by-Step How to Guide 


Q: Are there transaction limits?
A: Yes, you can send up to $1,000 per transfer, however there are no limits on how many transfers can be made per day, with the exception of some parameters set to detect fraud, such as a change to the customer’s email address or the amount of transactions within a certain period of time.
Q: Can I request money from someone?
A: No, with P2P you can send money, but not request it from someone else.
Q: What does it cost to use P2P?
A: Nothing, P2P transfers within Personal eBanking are FREE!
Q: I don’t have a checking or a savings account with CNB, only a loan.  Can I use P2P?
A: No, only customers with a checking or savings account can use P2P because funds cannot be transferred out of a loan account.
Q: How is P2P different than Internal Transfers?
A: Internal Transfers can only be sent from CNB customers to CNB customers.  With P2P, the person you are sending money to does not need to be a CNB customer.
Q: How is P2P different than External Transfers?

A: External Transfers can only be sent to your own account at another financial institution.  With P2P, you can send money to another person that has an account at another financial institution.

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